Credit Administration Representative - Credit Administration - Full-time / Part-time

Description:
Responsible for effective collection and resolution of past due obligations utilizing knowledge of credit union collection policy, standards and procedures. Delivers prompt accurate, courteous service to members and credit union personnel. Works within a team environment that is dedicated to providing exceptional service to all members.

Duties and Responsibilities:
1.Maintains acceptable account delinquency levels and goals for account assignments.
2.Adheres to collection policy and procedures, while educating members and credit union personnel to assist with the resolution of past due obligations.
3.Maintains a high level of professionalism, exhibiting excellent member service skills when dealing with members, and/or other vendors in the collection process.
4.Identifies, initiates and/or directs documentation necessary for refinancing of past due obligations.
5.Initiates documentation necessary for payment extension requests.
6.Establishes repayment plans to resolve past due obligations and monitors accounts pursuant to repayment terms.
7.Performs in-depth skip tracing to locate members and/or collateral.
8.Refers accounts to management for repossession, legal action or charge off.
9.Maintains consistent follow-up on members accounts to resolve account delinquency.
10.Assists with repayment proposals received from consumer credit counseling agencies or debt management companies.
11.Monitors total loss accounts and assists with the cancelation of after-market products and/or filing of damage and GAP claims.
12.Assists members with short sell process and refinance of deficiency balance.
13.Assist in the collection of negative or charged off share accounts.
14.Refers Credit Union products and services to financially assist membership and reduce re-occurring account delinquency.
15.Maintains accurate and detailed documentation and notes of all collection efforts, both in writing and verbally within members file and on collection system software.
16.Builds excellent rapport with branches, departments and membership.
17.Assists in training of new staff on collection policies, procedures, techniques and system software.
18.Provides interim support for other operational aspects and function within the department.

Required Education:
High school diploma or equivalent required.

Required Experience:
1 year experience in field or related experience. Experience in a financial institution preferred.
Understanding of Fair Debt Collection Policy Act.


Physical Requirements:
Office mobility required. Must possess sufficient manual dexterity to skillfully operate standard office equipment. Corrected vision and hearing in normal range. A telephone device to enhance hearing will be provided if needed. Must be able to physically lift up to 35 pounds. May require use of handcart or other device for the transportation of materials.

Training:
Completes any required training by assigned due date.

Skill Requirements:
Knowledge of current regulations regarding collections, consumer lending documentation. Proficient in Microsoft Word, Excel and Outlook software. Operational knowledge of office equipment to include faxes, scanners, printers, multiline phone systems, copiers etc. Ability to work in a fast paced environment. Ability to consistently demonstrate the following skill sets; professional customer service skills, positive and professional demeanor, ability to multi-task and meet rapidly changing environment, problem solving, initiative, strong work ethic, excellent communication skills, ability to function with minimal supervision, excellent organizational abilities, self-motivated, and able to meet constant deadlines.